These Terms of Service ("Terms") constitute a legally binding agreement between you and JoinGo2Bank ("Company," "we," "us," or "our") governing your access to and use of our services, website, APIs, and applications (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.
1. Acceptance of Terms
By creating an account, accessing, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.
2. Eligibility
To use our Services, you must:
- Be at least 18 years of age or the legal age of majority in your jurisdiction
- Have the legal capacity and authority to enter into binding agreements
- Not be prohibited from using the Services under applicable laws
- Complete our identity verification and KYC requirements
- Provide accurate, current, and complete information during registration
3. Account Registration and Security
3.1 Account Creation
You must create an account to access certain features of our Services. You agree to provide accurate and complete information during registration and to update this information as necessary.
3.2 Account Security
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account.
4. Services Description
JoinGo2Bank provides digital banking infrastructure and payment processing services, including but not limited to:
- Payment processing and gateway services
- Banking APIs and integration tools
- Virtual account management
- Transaction monitoring and reporting
- Compliance and fraud prevention tools
5. Acceptable Use Policy
You agree to use our Services only for lawful purposes. You shall not:
- Process transactions for illegal goods, services, or activities
- Engage in money laundering, terrorist financing, or other financial crimes
- Violate any applicable laws, regulations, or third-party rights
- Attempt to gain unauthorized access to our systems or networks
- Interfere with or disrupt the integrity or performance of our Services
- Use our Services to transmit malware, viruses, or harmful code
- Engage in fraudulent activities or misrepresent your identity
- Resell or redistribute our Services without authorization
6. Fees and Payment
6.1 Service Fees
Certain Services are subject to fees as outlined in your service agreement or on our pricing page. All fees are non-refundable unless otherwise specified.
6.2 Payment Terms
You agree to pay all applicable fees in accordance with the billing terms in effect. We may modify our fees with reasonable advance notice.
6.3 Taxes
You are responsible for all applicable taxes related to your use of the Services.
7. Intellectual Property
All content, trademarks, logos, and intellectual property displayed on our platform are owned by JoinGo2Bank or its licensors. You may not use, copy, reproduce, or distribute any content without our prior written consent.
8. API Terms
If you access our Services through APIs, you additionally agree to:
- Comply with our API documentation and usage guidelines
- Not exceed rate limits or abuse API access
- Maintain the security of your API credentials
- Properly attribute JoinGo2Bank where required
9. Data Protection
Your use of the Services is also governed by our Privacy Policy. You agree to comply with all applicable data protection laws when processing personal data through our Services.
10. Disclaimer of Warranties
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, JOINGO2BANK SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES.
12. Indemnification
You agree to indemnify, defend, and hold harmless JoinGo2Bank and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of the Services, violation of these Terms, or infringement of any third-party rights.
13. Termination
We may suspend or terminate your access to the Services at any time, with or without cause, with or without notice. Upon termination, your right to use the Services will immediately cease. Provisions that by their nature should survive termination shall remain in effect.
14. Modifications to Terms
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website. Your continued use of the Services after such changes constitutes acceptance of the modified Terms.
15. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with applicable international laws and regulations. Any disputes arising from these Terms or your use of the Services shall be resolved through binding arbitration in accordance with applicable arbitration rules.
16. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
17. Entire Agreement
These Terms, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and JoinGo2Bank regarding the Services.
18. Contact Information
For questions about these Terms, please contact us:
Email: legal@joingo2bank.io
General Inquiries: contact@joingo2bank.io